Whats your Credit Score?

[Hulud]

answer it

[2.0civic]

shitty..made some past mistakes im trying to still recover from

[Sol-Badguy]

Somehow I knew you'd start a thead after saying yours in Jorje's.

I don't know my score, I've only taken out a small loan and have a cell phone. How can I find out?

[LiL PaKi]

i don't know... it must be high if I was given a 0% interest Credit card for a whole year with a $10,000 credit limit...

[Hulud]

Somehow I knew you'd start a thead after saying yours in Jorje's.

I don't know my score, I've only taken out a small loan and have a cell phone. How can I find out?
haha damn you know me too well LOL

freecreditreport.com

[jmmx258]

I was engaged with 2 credit cards. Broke up. I had been laid off. She gladly maxed out my cards before I knew what was going on. Yeah i'm fuckered lol

[ShooterMcGavin]

who reports the score for freecreditreport.com?

[Sol-Badguy]

Well, apparently I've got a 692.

[Kelly]

Mine's like 655. I've only been working on it for like a year though. I'm tryin to get some good credit established before buying a home/marriage/babies/etc...

[Hulud]

who reports the score for freecreditreport.com?
i dunno i didnt go there, it was just the first thing that came to mind

[Extrememustang]

was 793 till a divorce

[Hulud]

was 793 till a divorce
the question is now, not what it was before a fuckup

[BKgen®]

mine's 700.

[Kelly]

Does how long you've been working on it even matter? Mine looks low compared to ya'lls but i've never missed a payment on my lil loan or my credit card.

[sirkus]

who reports the score for freecreditreport.com?
equifax and there's a few more I think..

[Hulud]

Does how long you've been working on it even matter? Mine looks low compared to ya'lls but i've never missed a payment on my lil loan or my credit card.
i got lucky lol

apparently i opened a credit card in my name when i was 8 LOL

[Evil Goat]

when i bought my house this past october it was in the area of 720 across the board of the 3 major reporters....since then its probably gone down due to the house itself, i havent checked it since then, even though my wife works for a local credit union

[Sol-Badguy]

freecreditreport.com has monitoring from all 3 bureaus.

And Kelly, I don't know, the only credit I've done was taking out a loan when I was 18 and paying it all back on time. I've never had a credit card.

[Nemesis]

20

[ShooterMcGavin]

^^i didn't know, i can check mine at any time through transunion i believe, i'll give freecreditreport a try though to see what they gotta say

[Sol-Badguy]

^^i didn't know, i can check mine at any time through transunion i believe, i'll give freecreditreport a try though to see what they gotta say
It's not bad, I just used it and my cousin did too.

[itsjustdee]

mine's low :( fuckin credit cards when i was 18. talk about being irresponsible. its getting back up though.

[ShooterMcGavin]

um i just checked and it says freecreditreport from EXPERIAN...

[Ruiner]

Right now it is:

750, 752, and 761 depending on the agency.

It's lower than normal as I have had 8 credit inquiries in the last year (when I bought my house last June and when I am refinancing right now, that accounts for 4 or 5) and I also have my TV to pay off (I have the money to pay it off, but it is sitting in an account earning interest until the first payment is due in '08 - I'll pay it off then). I used a Mitsubishi credit card (had to apply for it) to get the special defered payment rate. That was another inquiry.

Using the TransUnion credit analyzer projection tool, they say that my score will jump up to almost 803pts when I pay off the tv and the credit inquiries fall off of my record. :)

[civic95]

Don't know. :dunno: I do know it's good enough that I'm not signing up for their "protection service" at $13 a month to find it out.

[Ruiner]

By the way, you CANNOT get your FICO score for free. You can get your credit report for free from annualcreditreports.com (no other site is backed by the 3 companies - no, neither is freecreditreport.com). However, as with any service, you have to pay to get your FICO (credit) score.

[Ruiner]

haha damn you know me too well LOL

freecreditreport.com

DO NOT use that site.

https://www.annualcreditreport.com/cra/index.jsp is the ONLY trusted site by the 3 credit agencies.

[Hulud]

DO NOT use that site.

https://www.annualcreditreport.com/cra/index.jsp is the ONLY trusted site by the 3 credit agencies.
good call, as i said in another post that was something i did not use it was just the first thing to come to mind

[Ruiner]

good call, as i said in another post that was something i did not use it was just the first thing to come to mind

Also, you cannot get your FICO score for free, either (unless you have a coupon code for a free one that gets rid of the site charge).

[iloveboost]

when i bought my house this past october it was in the area of 720 across the board of the 3 major reporters....since then its probably gone down due to the house itself, i havent checked it since then, even though my wife works for a local credit union
Your score should have gone up dramatically if you've paid on time since October.

[Kyle]

Where is the none of your got damn busineess option Hulud?

[Nemesis]

Where is the none of your got damn busineess option Hulud?



hahahahaha +1


thats right hoolood nunyagotdamnbiznass BITCH :2up: :2up: :2up: :2up: :2up: :2up: :2up:

[ShooterMcGavin]

DO NOT use that site.

https://www.annualcreditreport.com/cra/index.jsp is the ONLY trusted site by the 3 credit agencies.
yep that's what i use. basically u can get ur credit report 3 times a yr for free (once through each agency).

hey ruiner, what's the diff btw your FICO score and your credit SCORE as reported by the big 3?

[ShooterMcGavin]

Where is the none of your got damn busineess option Hulud?
i think kyle has shitty or no credit.... :lmfao: repped!

[Hulud]

Where is the none of your got damn busineess option Hulud?
it is MY MOTHERFUCKING BUSINESS!!!!!!!!!!! :2up:


lol

[Crazy Asian]

Though Im also starting my bank of america one up...so far all payments have been met not the minnmum fuck that shit paying 15 dollars.

[R3RUN]

I dont know what mine is. Hopefully whoever stole my records from the DMV database didnt fuck my shit up though.

[Jecht]

LOL @ you guys. I've never taken a loan out on ANYTHING. I always pay in cash, if I had a credit card I would spend too much money.

[Ruiner]

yep that's what i use. basically u can get ur credit report 3 times a yr for free (once through each agency).

hey ruiner, what's the diff btw your FICO score and your credit SCORE as reported by the big 3?

Nothing, the FICO score is your credit score. Just keep in mind that all three agencies are typically close in their FICO scores, but you can have an average between all three as well.

[Ruiner]

LOL @ you guys. I've never taken a loan out on ANYTHING. I always pay in cash, if I had a credit card I would spend too much money.

A. How old are you?

B. Good luck buying a house with no credit history. :lmfao::lmfao::lmfao:

[Kyle]

i think kyle has shitty or no credit.... :lmfao: repped!
The latter. I should be building my credit, but I havent got around to it. Oh well.

hahahahaha +1


thats right hoolood nunyagotdamnbiznass BITCH :2up: :2up: :2up: :2up: :2up: :2up: :2up:
Where is my +1 George?

Oh and page 3 is mine.

[Jecht]

A. How old are you?

B. Good luck buying a house with no credit history. :lmfao::lmfao::lmfao:

I'm 19. I have no plans on buying a house for a good while. All the money that I earn at work goes into my bank account instead of spending it on stupid pointless crap. If I can't pay cash for it, I won't buy it. When I DO buy a house, I plan to pay in full cash. Until then, I won't be buying a house. Yes, it is possible, I know several people that have done the same thing.

[Jaimecbr900]

By the way, you CANNOT get your FICO score for free. You can get your credit report for free from annualcreditreports.com (no other site is backed by the 3 companies - no, neither is freecreditreport.com). However, as with any service, you have to pay to get your FICO (credit) score.

#1. You should've called me about your Refi...... :tongue1:
#2. That is exactly right.

Most of the "free" credit report sites you see advertised are not free at all. Some even have a condition of you changing your phone service before they'll send you a copy of your credit report.

#1. You are entitled to a copy of your credit report FREE from each of the repositories (Equifax, TransUnion, and Experian) once a year and/or anytime you are denied credit.
#2. I wrote a thread that will answer most questions people have concerning scores here: http://www.importatlanta.com/forums/showthread.php?t=111496&highlight=credit+score
#3. As I said in the thread I started, scores are tricky little boogers because each repository uses a different formula to get their score. This is why we all have 3 different ones. I have yet to see 3 identical scores. I imagine it's possible, but since they all use different criteria I'd imagine the probability is highly unlikely.
#4. If anyone cares, the toll free numbers and websites to each of the repositories are:

Equifax 800-685-1111 www.equifax.com
TransUnion 800-888-4213 www.transunion.com
Experian (formerly TRW) 888-397-3742 www.experian.com


Most of them you can request your credit report online. I know you can dispute anything online, but you have to have a copy of THEIR report in front of you to do so (it's because they find everything by the report # they assign it when they print you one out).

Any questions? Ask away.... :goodjob: :D

[Jaimecbr900]

B. Good luck buying a house with no credit history. :lmfao::lmfao::lmfao:


~whispers to Ruiner~ It can be done bud. ;)

[jdmdb8itr]

783, great credit and worked damn hard for it

[santacruz77]

im thinking of a number can you guess what it is? its 720

[Slowboy]

i got a call from 2 credit card companies today. Does that answer your?. I was on a roll though. paid a 9k civic off. paid my 25k truck off. paid sevarl cards off every month. then i got my hours cut in half. and im trying to catch up. oh and they cut it right after i saved up and spent it all in florida for vacation. wtf. so yeah. im sure mine is goin down hill. anybody know bout consolidation companies>>??

[Kyle]

When I DO buy a house, I plan to pay in full cash. Until then, I won't be buying a house. Yes, it is possible, I know several people that have done the same thing.
Interesting approach. :thinking:

There are reasons people make payments. I am not going to waste my effort explaining it to you because I dont understand you and dont think you will change even if I tell you.

[RandomGuy]

mines was avg 790 (one of them was over 800), (checked 3 months ago, with a house mortgage preapproval/financing company) and they prequalified me for a house 200-220k (depends on how the dude changed the numbers around or something) and like 6 point something percent interest, which wasn't bad on my own income at age 19


I have a question for jamiecbr and those of you who do that financing shit... is it true that black people automatically get lower credit scores? lolol bc something must be up.

[Echonova]

is it true that black people automatically get lower credit scores? lolol bc something must be up.

Lower credit scores..No, but higher interest rates. yes

[RandomGuy]

Lower credit scores..No, but higher interest rates. yesare you joking or serious, bc i was kidding


that would be some LOL shit hahah (because i'm not black)


if i was black i'd be like :2up::2up::fire::fire::drunk:

...hrm wait a minute that is black people....

damn finally i understand them

[Ruiner]

I'm 19. I have no plans on buying a house for a good while. All the money that I earn at work goes into my bank account instead of spending it on stupid pointless crap. If I can't pay cash for it, I won't buy it. When I DO buy a house, I plan to pay in full cash. Until then, I won't be buying a house. Yes, it is possible, I know several people that have done the same thing.

Do you live at home?

Do you go to college?

Have you had to deal with the "real world" yet in terms of providing for yourself?

Even if you save $20k a year, it will take you 10 years to buy a $200k house. In 10 years, trust me, $200k won't buy you much in terms of a house. With that said, I can't forsee you saving $20k a year once you get out on your own (if you aren't already).

[Ruiner]

~whispers to Ruiner~ It can be done bud. ;)

Almost anything can be done, but certain things aren't suggested above others...

[Ruiner]

Interesting approach. :thinking:

There are reasons people make payments. I am not going to waste my effort explaining it to you because I dont understand you and dont think you will change even if I tell you.

Shhhhh, nobody cares about tax deductions. :taun:

[Ruiner]

We have a few "liars" here as well. Sad, really. Why lie? Does it make you a bigger man on the internet?

[Dracc]

hahahah I'm 18.... my credit is 669.. my dad told me the best way to build your credit .. Buy your girl jewerly but pay on it.. don't flat out buy it.. the report every month and it looks good... but im car salesmen I'm going to tell you this... it doesnt matter how good your credit is when it comes to purchasing a house or car.. its determined 80% of the time by how strong your credit is.. even though i have good credit.. i have not had it long enough to buy a brand new car..

[4dmin]

We have a few "liars" here as well. Sad, really. Why lie? Does it make you a bigger man on the internet?

lol no doubt :goodjob:

[Jaimecbr900]

I'm going to tell you this... it doesnt matter how good your credit is when it comes to purchasing a house or car.. its determined 80% of the time by how strong your credit is.. ..


Umm, that didn't make any sense. Care to reword?

[Sol-Badguy]

LOL @ you guys. I've never taken a loan out on ANYTHING. I always pay in cash, if I had a credit card I would spend too much money.
You see, taking out a loan, if for nothing more than to pay it back with itself, is a great way to build credit.

[Ruiner]

lol no doubt :goodjob:

It never ceases to amaze me. People want to "impress" others, but since they can't do it in real life, they do it on the internet. :lmfao::lmfao::lmfao:

What's even more funny is that when you call them out on it, they try to chalk it up as a "joke" or that they were "just kidding."

[Echonova]

are you joking or serious, bc i was kidding


that would be some LOL shit hahah (because i'm not black)


if i was black i'd be like :2up::2up::fire::fire::drunk:

...hrm wait a minute that is black people....

damn finally i understand them

Partly serious, their has been several investigations on some companies that give blacks higher interest rates than whites. Given the same info other than their race.

[Tracy]

I have a 0 since I haven't used my credit in the past 3 years. Dan has a 819!!!! BASTARD!

[Ruiner]

I have a 0 since I haven't used my credit in the past 3 years. Dan has a 819!!!! BASTARD!

I think that the minimum is at least 300 I think, but I am sure that you are higher than that if you used yours and paid it off, even if it was 3 years ago. :)

[Tracy]

I think that the minimum is at least 300 I think, but I am sure that you are higher than that if you used yours and paid it off, even if it was 3 years ago. :)

Nope. It's a 0. Dan just bought a Topkick and they checked his credit obviously to buy it. So for fun we checked mine (I used to have a repo on it from when I was 18 and wanted to see if it was still there. Haven't applied for credit since. That was 12 years ago. Not a credit card or even a utility bill). They said a 0 isn't bad or good. It just means I haven't used it in the past 3 years. I then got my free credit report on line to be sure and it was the same with all 3 major credit reporting agencies.

[ironchef]

About 670 last I checked, but my credit history is still minimal, and my balances are kinda high. Im gonna shoot for about 775-825, by next year.

[Kyle]

We have a few "liars" here as well. Sad, really. Why lie? Does it make you a bigger man on the internet?
:ninja: Whatchu talkin bout. I just figured I would make something up since I dont have one. It makes me feel like a big man I guess.

[GSRteg®]

Im a cash man myself also I like the way you think too. If you cant buy it cash then why buy it!




I'm 19. I have no plans on buying a house for a good while. All the money that I earn at work goes into my bank account instead of spending it on stupid pointless crap. If I can't pay cash for it, I won't buy it. When I DO buy a house, I plan to pay in full cash. Until then, I won't be buying a house. Yes, it is possible, I know several people that have done the same thing.

[Annihilation]

It never ceases to amaze me. People want to "impress" others, but since they can't do it in real life, they do it on the internet. :lmfao::lmfao::lmfao:

What's even more funny is that when you call them out on it, they try to chalk it up as a "joke" or that they were "just kidding."this is randomguy

clarify who that was directed towards

and judging by the exact quote do you really think i would bullshit to make myself look ballin to "impress" others.... i'm not the bragger here haha lolol want me to scan my report or better yet take a free more up to date report, since nothing should have changed much since then.

[RandomGuy]

just did the score on the website YOU posted and its trying to get me to pay to get the score, isn't there a law where you can do that once a year for free.

its showing me all of my credit accounts and they're all green ( no negative balances/late payments)... but no score.

Not that this score and shit means anything to me, i just don't like being called BS on... like i give a fuck to impress anyone on here w/ a "semi-high credit score"

[RandomGuy]

most 3 recent inquiries is the financing companies. First one is the mortgage broker, didnt find a house in time so i had to do it again a few months later. The other is when i found certain houses that require you to "prequalify" through certain places only. still looking though everything i like has something majorly wrong... everything that doesnt have anything majorly wrong I dont like.

[Frög]

dont know mine.. i put my parents, its right over 800..

[Ruiner]

this is randomguy

clarify who that was directed towards

and judging by the exact quote do you really think i would bullshit to make myself look ballin to "impress" others.... i'm not the bragger here haha lolol want me to scan my report or better yet take a free more up to date report, since nothing should have changed much since then.

A. I said that NO site gives you your FICO score for free.

B. None of those comments were directed towards you. There are 6 people that claim to have 800 or higher and 3 the claim 850. I would guess that 1, at best, is being sincere, and that none of the 850 claims are legit.

[iloveboost]

Yeah. The majority of ppl are claiming 751-800. :rolleyes:

I've worked pretty hard to get my credit where it needs to be. Not to brag but being 23 and having $45,000 in unsecured credit (3 credit cards) available to me whenever I want isn't bad. Not to mention only having a $2,000 balance on one of the cards which is at at 0% int to maintain a good credit/payment history.

There's no point in lying. Threads like this always open up the opportunity for ppl to lie and make themselves feel better about themselves.

[RandomGuy]

B. None of those comments were directed towards you. There are 6 people that claim to have 800 or higher and 3 the claim 850. I would guess that 1, at best, is being sincere, and that none of the 850 claims are legit.

:dunno:


are you joking or serious, bc i was kidding



a few posts later

It never ceases to amaze me. People want to "impress" others, but since they can't do it in real life, they do it on the internet. :lmfao::lmfao::lmfao:

What's even more funny is that when you call them out on it, they try to chalk it up as a "joke" or that they were "just kidding."
which is why i thought you were referring to me

if i was wrong in that assumption sorry if i said anything out of line, but it was 3AM and i dunno i got ticked pretty quick, just seemed like a clear call out to me for some reason.

[kelly marie]

credit cards suck!! we are slowly paying off debt but i made a few mistakes when i was younger so i am paying for it now.. i think at last check i was around 641... drews got great credit though :) so we are in the clear!! lol

[Dracc]

Umm, that didn't make any sense. Care to reword?








just saying in the car business i know for a fact good great credit doesn't matter... strong credit.. IE have credit for a long period of time is better.. shows that your established and you make payments... like having average credit over an 8 year period of time vs some one with great credit that has only had credit for about a year or 2.. you don't know what they are capable of. like how many payments they've missed in the pass or are the going to miss any..

[Ruiner]

just saying in the car business i know for a fact good great credit doesn't matter... strong credit.. IE have credit for a long period of time is better.. shows that your established and you make payments... like having average credit over an 8 year period of time vs some one with great credit that has only had credit for about a year or 2.. you don't know what they are capable of. like how many payments they've missed in the pass or are the going to miss any..

:goodjob:

From my credit check last week:

Length of credit history: 12 years, 9 months

[Julio]

this is randomguy

clarify who that was directed towards

and judging by the exact quote do you really think i would bullshit to make myself look ballin to "impress" others.... i'm not the bragger here haha lolol want me to scan my report or better yet take a free more up to date report, since nothing should have changed much since then.


a good credit score doesnt mean you are a baller... I know people who make under 20 K a year with a score close to 800.
Is all about how you manage your finances and how long it has been established and kept in good standing.

A true baller doesnt need credit........ :lmfao:

[ISAtlanta300]

True that, Julio.... and i am 'one of the six' who is being sincere, at best....

Jaimecbr900 can vouch on my score before i purchased my house. It was already in the mid 700's averaging about 750 or so.

Since then it has jumped considerably. One of them was over 800 last i checked (about 814 or so). I need to check the other ones and get the average. It is all about managing credit, folks. I am by no definition rich or a baller. But i am very responsible.

You will be amazed at the little things that you can do to improve your credit. Always, ALWAYS pay on time. Pay at LEAST your minimum or more than that. Keep some credit cards open, but don't use them (I have a BOA platinum card with 5k credit that i never used), but also 'use' one of your credit cards but show responsibility in payment (I have an amex blue which I use for my work travels and also bills and stuff with an 18.8 k credit limit. I also have an Amex Platinum).

And to think, at one point, in my 20's , I have raked up about 15.000 in debt, and was considering doing one of those Payment consolidation reduction things. But i made a commitment to pay it off. It hurt my wallet, and i had to eat scraps for a couple of years, but it also helped my credit since then.

I also have extensive apartment rental records and utilities in my name which were also always paid on time

I am also 34 years old and have established credit when I was about 21 or so and had to 'finance' my graduation class ring... lol.